LOANS (Tables)

12 Months Ended

Dec. 31, 2019

LOANS.

Schedule of the major classifications of loans

	December 31,
(In thousands)	2019		2018
Commercial real estate mortgage loans	$	1,565,687	$	1,373,556
Multi-family mortgage loans		812,174		585,827
Residential real estate mortgage loans		493,144		519,763
Commercial, industrial and agricultural loans		679,444		645,724
Real estate construction and land loans		97,311		123,393
Installment/consumer loans		24,836		20,509
Total loans		3,672,596		3,268,772
Net deferred loan costs and fees		7,689		7,039
Total loans held for investment		3,680,285		3,275,811
Allowance for loan losses		(32,786)		(31,418)
Loans, net	$	3,647,499	$	3,244,393

Schedule of loans by class categorized by internally assigned credit risk grades

	December 31, 2019
(In thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial real estate:
Owner occupied	$	511,444	$	18,426	$	1,218	$	—	$	531,088
Non-owner occupied		1,022,208		—		12,391		—		1,034,599
Multi-family		811,770		404		—		—		812,174
Residential real estate:
Residential mortgage		408,933		11,490		4,089		—		424,512
Home equity		67,016		910		706		—		68,632
Commercial and industrial:
Secured		162,431		2,074		9,714		—		174,219
Unsecured		480,982		13,596		10,647		—		505,225
Real estate construction and land loans		95,530		—		1,781		—		97,311
Installment/consumer loans		23,976		103		757		—		24,836
Total loans	$	3,584,290	$	47,003	$	41,303	$	—	$	3,672,596

	December 31, 2018
(In thousands)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial real estate:
Owner occupied	$	480,503	$	12,045	$	17,850	$	—	$	510,398
Non-owner occupied		858,069		2,188		2,901		—		863,158
Multi-family		585,409		418		—		—		585,827
Residential real estate:
Residential mortgage		438,891		8,510		1,114		—		448,515
Home equity		68,480		1,594		1,174		—		71,248
Commercial and industrial:
Secured		147,474		5,536		15,530		—		168,540
Unsecured		458,526		12,886		5,772		—		477,184
Real estate construction and land loans		123,089		—		304		—		123,393
Installment/consumer loans		20,464		9		36		—		20,509
Total loans	$	3,180,905	$	43,186	$	44,681	$	—	$	3,268,772

Schedule of the aging of the recorded investment in past due loans by class of loans

	December 31, 2019
					90+ Days		Non-accrual
	30-59		60-89		Past Due		Including 90		Total Past
	Days		Days		And		Days or More		Due and
(In thousands)	Past Due		Past Due		Accruing		Past Due		Non-accrual		Current		Total Loans
Commercial real estate:
Owner occupied	$	917	$	433	$	—	$	225	$	1,575	$	529,513	$	531,088
Non-owner occupied		98		—		—		512		610		1,033,989		1,034,599
Multi-family		—		—		—		—		—		812,174		812,174
Residential real estate:
Residential mortgages		2,446		—		—		2,086		4,532		419,980		424,512
Home equity		607		747		343		657		2,354		66,278		68,632
Commercial and industrial:
Secured		24		187		—		206		417		173,802		174,219
Unsecured		249		534		—		530		1,313		503,912		505,225
Real estate construction and land loans		—		—		—		123		123		97,188		97,311
Installment/consumer loans		124		—		—		30		154		24,682		24,836
Total loans	$	4,465	$	1,901	$	343	$	4,369	$	11,078	$	3,661,518	$	3,672,596

	December 31, 2018
					90+ Days		Non-accrual
	30-59		60-89		Past Due		Including 90		Total Past
	Days		Days		And		Days or More		Due and
(In thousands)	Past Due		Past Due		Accruing		Past Due		Non-accrual		Current		Total Loans
Commercial real estate:
Owner occupied	$	333	$	194	$	—	$	253	$	780	$	509,618	$	510,398
Non-owner occupied		—		—		—		885		885		862,273		863,158
Multi-family		—		—		—		—		—		585,827		585,827
Residential real estate:
Residential mortgages		892		230		—		199		1,321		447,194		448,515
Home equity		1,033		—		308		624		1,965		69,283		71,248
Commercial and industrial:
Secured		330		196		—		174		700		167,840		168,540
Unsecured		1,108		—		—		621		1,729		475,455		477,184
Real estate construction and land loans		—		—		—		—		—		123,393		123,393
Installment/consumer loans		84		—		—		52		136		20,373		20,509
Total loans	$	3,780	$	620	$	308	$	2,808	$	7,516	$	3,261,256	$	3,268,772

Schedule of individually impaired loans by class

							Year Ended
	December 31, 2019						December 31, 2019
			Unpaid		Related		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	3,379	$	3,401	$	—	$	1,286	$	41
Non-owner occupied		2,296		2,296		—		2,149		99
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		294		300		—		74		—
Commercial and industrial:
Secured		494		494		—		287		18
Unsecured		8,863		8,863		—		6,601		411
Total with no related allowance recorded		15,326		15,354		—		10,397		569
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—
Non-owner occupied		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		9,612		9,612		3,435		6,189		223
Unsecured		2,045		2,051		1,241		1,838		86
Total with an allowance recorded		11,657		11,663		4,676		8,027		309
Total:
Commercial real estate:
Owner occupied		3,379		3,401		—		1,286		41
Non-owner occupied		2,296		2,296		—		2,149		99
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		294		300		—		74		—
Commercial and industrial:
Secured		10,106		10,106		3,435		6,476		241
Unsecured		10,908		10,914		1,241		8,439		497
Total	$	26,983	$	27,017	$	4,676	$	18,424	$	878

							Year Ended
	December 31, 2018						December 31, 2018
			Unpaid		Related		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	268	$	278	$	—	$	177	$	—
Non-owner occupied		2,816		2,816		—		1,583		88
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		8,234		8,234		—		5,644		196
Unsecured		5,316		5,316		—		5,127		284
Total with no related allowance recorded		16,634		16,644		—		12,531		568
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—
Non-owner occupied		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		2,721		2,721		189		2,757		91
Unsecured		—		—		—		—		—
Total with an allowance recorded		2,721		2,721		189		2,757		91
Total:
Commercial real estate:
Owner occupied		268		278		—		177		—
Non-owner occupied		2,816		2,816		—		1,583		88
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		10,955		10,955		189		8,401		287
Unsecured		5,316		5,316		—		5,127		284
Total	$	19,355	$	19,365	$	189	$	15,288	$	659

	December 31, 2017						Year Ended December 31, 2017
			Unpaid		Related		Average		Interest
	Recorded		Principal		Allocated		Recorded		Income
(In thousands)	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	2,073	$	2,073	$	—	$	173	$	80
Non-owner occupied		9,089		9,089		—		7,001		400
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		100		100		—		8		—
Commercial and industrial:
Secured		7,368		8,013		—		2,633		211
Unsecured		2,154		2,408		—		592		36
Total with no related allowance recorded		20,784		21,683		—		10,407		727
With an allowance recorded:
Commercial real estate:
Owner occupied		—		—		—		—		—
Non-owner occupied		—		—		—		—		—
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		—		—		—		—		—
Commercial and industrial:
Secured		—		—		—		—		—
Unsecured		1,708		3,235		1,708		142		174
Total with an allowance recorded		1,708		3,235		1,708		142		174
Total:
Commercial real estate:
Owner occupied		2,073		2,073		—		173		80
Non-owner occupied		9,089		9,089		—		7,001		400
Residential real estate:
Residential mortgages		—		—		—		—		—
Home equity		100		100		—		8		—
Commercial and industrial:
Secured		7,368		8,013		—		2,633		211
Unsecured		3,862		5,643		1,708		734		210
Total	$	22,492	$	24,918	$	1,708	$	10,549	$	901

Schedule of loans receivable by class modified as troubled debt restructuring

	Modifications During the Year Ended December 31,
	2019					2018					2017
		Pre-		Post-			Pre-		Post-			Pre-		Post-
		Modification		Modification			Modification		Modification			Modification		Modification
		Outstanding		Outstanding			Outstanding		Outstanding			Outstanding		Outstanding
	Number of	Recorded		Recorded		Number of	Recorded		Recorded		Number of	Recorded		Recorded
(Dollars in thousands)	Loans	Investment		Investment		Loans	Investment		Investment		Loans	Investment		Investment
Commercial real estate:
Owner occupied	3	$	8,582	$	8,582	—	$	—	$	—	—	$	—	$	—
Non-owner occupied	—		—		—	1		926		926	2		7,764		7,764
Residential real estate:
Residential mortgages	1		338		338	1		644		644	—		—		—
Home equity	—		—		—	—		—		—	—		—		—
Commercial and industrial:
Secured	7		6,920		6,920	2		1,994		1,994	7		6,828		6,828
Unsecured	8		5,908		5,908	8		5,655		5,655	2		189		189
Installment/consumer loans	—		—		—	—		—		—	—		—		—
Total	19	$	21,748	$	21,748	12	$	9,219	$	9,219	11	$	14,781	$	14,781

Schedule of activity in the accretable yield for the purchased credit impaired loans

	Year Ended December 31,
(In thousands)	2019		2018
Balance at beginning of period	$	460	$	2,151
Accretion		(515)		(1,842)
Reclassification from nonaccretable difference during the period		129		151
Accretable discount at end of period	$	74	$	460

Schedule of selected information about related party loans

	Year Ended
	December 31,
(In thousands)	2019
Balance at beginning of period	$	21,047
New loans		1,128
Repayments		(9,826)
Balance at end of period	$	12,349